Understanding car insurance policies & features

For every year you drive without making a claim, you get a no claims discount (which some call a ‘no claims bonus’). As it signifies you’re a safe driver, it can give a discount off your insurance.

But as soon as you have to make a claim where your insurer pays out, you’ll lose some or all of it. Which is a bit of a blow.

However, if you have no claims bonus protection, your no claims bonus is, well, protected. You can get it once you’ve accrued 3-4 years of no claims, and it lets you keep your discount even if you do have to make a claim.

At its most basic, breakdown cover means your car can be fixed on the side of the road, or taken to a local garage. It’s worth considering this cover as recovery companies may charge additional call-out charges if you need saving and if you’re not already a member.

Find out more about the different types here.

If your personal belongings are damaged or stolen from your car, this add on will pay a set amount to help you replace them. Your car will need to have been locked and your items kept out of sight in the boot or a locked glove box for this cover to kick in.